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Life Settlements

Life settlements are increasingly popular financial tools that transform unneeded or unwanted life insurance policies into lump sum cash settlements. They involve the sale of an existing life insurance policies whose funds generated are greater than the policies’ surrender values.

As is sometimes the case, your original need for the policy has changed, your premiums have become a burden or you may want to eliminate the policy by letting it lapse. The market allows you to obtain real pricing for the policy. Why let your policy become a wasted asset when, in many instances, you can generate substantial capital from a policy that is no longer needed?

Why Sell?
• The policy is no longer needed or wanted
• A more appropriate insurance policy can be obtained
• Rising healthcare costs or other financial burdens have created unforeseen needs.
• Premium payments have become unaffordable
• Change in employment status, like the case of a departing corporate executive, who no longer needs life insurance coverage provided by split dollar, key man or buy-sell situations.
• Change in financial circumstance (i.e. divorce, bankruptcy, death of a spouse, limited cash reserves).
• Change in investment needs (i.e. estate planning, charitable giving, changes in tax law).

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